INSTRUCTION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of January 13, 2026 No. 7282-U

About establishment by the Bank of Russia of the procedures provided by part four of article 24.3 of the Federal law "About Banks and Banking Activity" (in edition of the Federal Law of February 3, 1996 No. 17-FZ), parts 11 - the 13th article 9 of the Federal Law of July 2, 2010 No. 151-FZ "About microfinancial activities and the microfinancial organizations", parts 4, 6, the 7th article 27 of the Federal Law of June 27, 2011 No. 161-FZ "About national payment system"

This Instruction based on part four of article 24.3 of the Federal law "About Banks and Banking Activity" (in edition of the Federal Law of February 3, 1996 No. 17-FZ), parts 11 - the 13th article 9 of the Federal Law of July 2, 2010 No. 151-FZ "About microfinancial activities and the microfinancial organizations", parts 4, of 6, of the 7th article 27 of the Federal Law of June 27, 2011 "About national payment system" establishes No. 161-FZ:

procedure for the direction in the Bank of Russia of information: credit institutions, provided by part four of article 24.3 of the Federal law "About Banks and Banking Activity" (in edition of the Federal Law of February 3, 1996 No. 17-FZ); operators on money transfer, operators of payment service providers, operators of services of payment infrastructure, No. 161-FZ provided by part 6 of article 27 of the Federal Law of June 27, 2011 "About national payment system";

the microfinancial organizations, No. 151-FZ provided by part 11 of article 9 of the Federal Law of July 2, 2010 "About microfinancial activities and the microfinancial organizations"; procedure for request and receipt of information by the Bank of Russia: at operators on money transfer, operators of payment systems, operators of services of payment infrastructure, operators of electronic platforms, No. 161-FZ provided by part 6 of article 27 of the Federal Law of June 27, 2011 "About national payment system"; at the microfinancial organizations, No. 151-FZ provided by part 12 of article 9 of the Federal Law of July 2, 2010 "About microfinancial activities and the microfinancial organizations";

procedure for the direction operators of electronic platforms of information in the Bank of Russia provided by part 6 of article 27 of the Federal Law of June 27, 2011 No. 161-FZ "About national payment system" and the procedure for receipt of information by them from the Bank of Russia provided by part 7 of article 27 of the Federal Law of June 27, 2011 No. 161-FZ "About national payment system";

the procedure for implementation of actions operators on money transfer, operators of payment service providers, operators of services of payment infrastructure provided by part 4 of article 27 of the Federal Law of June 27, 2011 No. 161-FZ "About national payment system";

the procedure for implementation of actions operators of electronic platforms provided by part of part 4 of article 27 of the Federal Law of June 27, 2011 No. 161-FZ "About national payment system";

procedure for receipt of information from the Bank of Russia: operators on money transfer, operators of payment service providers, operators of services of payment infrastructure, No. 161-FZ provided by part 7 of article 27 of the Federal Law of June 27, 2011 "About national payment system"; the microfinancial organizations, No. 151-FZ provided by part 13 of article 9 of the Federal Law of July 2, 2010 "About microfinancial activities and the microfinancial organizations".

 Chapter 1. Procedure for the direction in the Bank of Russia of information: credit institutions, provided by part four of article 24.3 of the Federal law "About Banks and Banking Activity" (in edition of the Federal Law of February 3, 1996 No. 17-FZ); operators on money transfer, operators of payment service providers, operators of services of payment infrastructure, No. 161-FZ provided by part 6 of article 27 of the Federal Law of June 27, 2011 "About national payment system"; the microfinancial organizations, No. 151-FZ provided by part 11 of article 9 of the Federal Law of July 2, 2010 "About microfinancial activities and the microfinancial organizations"

1.1. Credit institutions send according to part four of article 24.3 of the Federal law "About Banks and Banking Activity" (to editions of the Federal Law of February 3, 1996 to No. 17-FZ) (further - the Federal Law "About Banks and Banking Activity") in the Bank of Russia information on all revealed cases and attempts of cash deposit of money on bank accounts of the third parties using the issued tokenizirovanny (digital) payment cards with use of ATMs or other technical devices without the consent of person depositing cash or with the consent of the person depositing cash, received under the influence of deception or in case of confidence abuse (further - cash deposit of money on bank accounts of the third parties without the voluntary consent of person depositing cash), specified in paragraphs ten - the fourteenth columns 3 of line 1 and columns 3 and 4 of line 10 of appendix 1 to this Instruction, in electronic form in form of provision of information posted on the official site of the Bank of Russia on the Internet (further respectively - Internet network, form of provision of information).

Information on all revealed cases and attempts of cash deposit of money without the voluntary consent of person depositing cash goes to bank accounts of the third parties no later than the working day following behind day of identification of such cases and attempts and (or) receipts of the appeal of physical person according to part of the seventeenth article 30.1 of the Federal law "About Banks and Banking Activity".

The credit institutions servicing the receiver of means shall provide no later than the working day following behind day of receipt of bank inquiry of Russia the information identifying the receiver of means, specified in the column 5 of lines 1 and 2 of appendix 1 to this Instruction.

1.2. The microfinancial organizations send according to part 11 of article 9 of the Federal Law of July 2, 2010 to No. 151-FZ "About microfinancial activities and the microfinancial organizations" (further - the Federal Law No. 151-FZ) to the Bank of Russia information on cases and attempts of the conclusion of agreements of consumer loan specified in appendix 2 to this Instruction without the consent of the client or with the consent of the client received under the influence of deception or in case of confidence abuse (further - without the voluntary consent of the client), in electronic form in the form and the list of data posted on the official site of the Bank of Russia in Internet network.

Information on cases and attempts of the conclusion of agreements of consumer loan without the voluntary consent of the client goes the microfinancial organization no later than the working day following behind day of approach of one of the next events:

establishments of case by the microfinancial organization and (or) attempts of the conclusion of the agreement of consumer loan without the voluntary consent of the client in case of implementation of actions provided by the internal document of the microfinancial organization developed according to part 10 of article 9 of the Federal Law No. 151-FZ;

receipts of appeals of physical persons according to part 18 of article 9.1 of the Federal Law No. 151-FZ on cases of the conclusion of agreements of consumer loan without the voluntary consent of the client;

identifications according to parts 9.1 and 9.2 of article 7 of the Federal Law of December 21, 2013 No. 353-FZ "About consumer loan (loan)" information on coincidence of information about the receiver of the means specified in the address of the applicant for the purpose of the conclusion of the agreement of consumer loan with information containing in the database about cases and attempts of implementation of money transfers without the voluntary consent of the client which forming and maintaining are performed by the Bank of Russia based on part 5 of article 27 of the Federal Law of June 27, 2011 No. 161-FZ "About national payment system" (further respectively - the Federal Law No. 161-FZ, the database).

1.3. Operators on money transfer, operators of payment service providers, operators of services of payment infrastructure send according to part 6 of article 27 of the Federal Law No. 161-FZ to the Bank of Russia information on all cases and (or) attempts of implementation of money transfers without the voluntary consent of the client in electronic form in form of provision of information.

Information on all cases and (or) attempts of implementation of money transfers without the voluntary consent of the client goes in connection with approach of one of the next events:

obtaining by the operator on money transfer servicing the payer, notifications from clients on cases and (or) attempts of money transfers without the voluntary consent of the client (including by provision of consumer loan);

obtaining by the operator on money transfer who is the participant of platform of digital ruble, notifications from the client who is the user of platform of digital ruble to whom such operator provides access to platform of digital ruble on cases and (or) attempts of implementation of transfer of digital rubles or transactions on reduction of remaining balance of digital rubles on the account of digital ruble by increase in remaining balance of electronic money (further in case of joint mentioning - transaction with digital rubles) without the voluntary consent of the client;

identification by the operator on money transfer servicing the payer, transaction which corresponds to the signs of implementation of money transfer without the voluntary consent of the client established by the Bank of Russia according to part 3.3 of article 8 of the Federal Law No. 161-FZ (further - signs of money transfer without the voluntary consent of the client) provided that after suspension of acceptance by it to execution of the order of the client about making of such transaction (after refusal in making of such transaction) obtains information on attempt of making of money transfer without the voluntary consent of the client;

Disclaimer! This text was translated by AI translator and is not a valid juridical document. No warranty. No claim. More info